Baton Rouge, LA · Charter 62556
Q1 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | -0.24% | -0.38% | -0.80% | -5.12% | -448 bps | |
| Return on Equity | -5.69% | -2.03% | -3.10% | -6.56% | -42.07% | -3,638 bps | |
| Net Interest Margin | 4.93% | 5.01% | 5.02% | 5.04% | 4.94% | +1 bps | |
| Efficiency Ratio | 84.16% | 90.07% | 96.97% | 102.76% | 124.51% | +4,035 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.54% | -17.68% | -15.44% | -12.67% | -20.40% | -885 bps | |
| Loan Growth (YoY) | -6.64% | -6.55% | -17.47% | -19.17% | -20.64% | -1,399 bps | |
| Share Growth (YoY) | -11.75% | -19.15% | -16.54% | -13.49% | -21.23% | -948 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.72% | 8.50% | 7.91% | 7.41% | 1.54% | -417 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.34% | 3.28% | 3.65% | 3.28% | 3.92% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.25% | 11.90% | 12.22% | 12.24% | 12.17% | +92 bps | |
| Net Worth / Assets | 11.25% | 11.90% | 12.22% | 12.24% | 12.17% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.67% | 82.40% | 77.05% | 78.26% | 78.26% | +59 bps | |
| Liquid Assets / Assets | 30.44% | 26.57% | 29.61% | 30.80% | 29.99% | -44 bps | |